Are auto insurance deductibles generally per incident or per year?
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Answer:
You should confirm that your comp deductible is that high, normally a collision deductible would be 1000.00 and a comprehensive is 500.00. Regardless, check to see if your policy has a windshield replacement deductible. Some companies offer a lower deductible for glass only claims as low as 250.00 or 100.00.
The other thing to consider is a windshield can be fairly inexpensive. Call your local dealer or auto body shop and ask who they use for glass replacement & install. Use them as a referral source when calling for a price, usually that will get you a better deal.
Correct: If your deductible is 1,000.00 your replacement for your windshiled is between 2 and 400 (most likely) so just bite the bullet and pay it.
The other part of your question: Deductibles are for each incident. Wreck a car today, 1000.00
damage, youmust pay, wreck it again next week, and another 1,000.00 damage, you must pay.
You must be having a lots of accidents to have such a high deductible or did you choose that because of the rate. Be safe.
Check your policy. Most policies are "per occurrence" meaning each claim is a new deductible, however, some companies reduce your deductible for the time you have been with them claim-free!
Don't bother filing a claim. The most I ever paid for a windshield replacement is $350. Just make sure you work with a reputable glass company with a warranty. Stay away from some guy who works out of his garage. Yellow pages are a good way to start.
I recently had a cracked windshield replaced for no out of pocket cost to me. If you have comprehensive coverage, most windshield repair places will do it for no cost to you.
Deductibles are applied PER LOSS. Many times deductibles vary between comp. and collision so check before you shell out $375 for a new glass.
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A deductible is per incident. It generally is not worth claim for a windshield. Some insurance companies offer a glass buy back deductible in which you only pay 100 and then they either repair or replace the glass instead of you actually paying your comprehensive or other than collision deductible.
The deductible is per incidents and about your windshields it depends on the car insurance company where your are insured because they do have different policies about it. You can visit some car insurance companies site to compare and read their policies about car insurance. You can try to visit cheap car insurance site http://www.nightbirdssolutions.com... for an easy access to different car insurance provider. Goodluck
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